The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Pick from five ready-made funds that have low fees and charges. Alternatively, the online advice can advise which fund is best for you.
Each fund has a different level of risk from 'low' to 'high'. Choose a fund with the level of risk you are willing to take.
Keep track of how your investment is doing anytime, anywhere with Shostra Bank Invest.
Personal Portfolio 1 Fund
This is the lowest risk fund in the range with an emphasis towards low risk assets, such as bonds. The low risk fund invests at least 70% of its value in bonds.
The long term asset mix is made up of 78% Bonds, 20% Shares and 2% Cash.
Personal Portfolio 2 Fund
As the risk increases, the amount invested in lower risk investments, such as bonds reduces. The low to medium risk fund invests at least 50% of its value in bonds.
The long term asset mix is made up of 58% Bonds, 40% Shares and 2% Cash.
Personal Portfolio 3 Fund
The medium risk fund has an increasing exposure to higher risk investments, such as shares. The medium risk fund invests at least 45% of its value in shares.
The long term asset mix is made up of 43% Bonds, 55% Shares and 2% Cash.
Personal Portfolio 4 Fund
As risk increases further, so does the exposure to shares. The medium to high risk fund invests at least 65% of its value in shares.
The long term asset mix is made up of 23% Bonds, 75% Shares and 2% Cash.
Personal Portfolio 5 Fund
This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as shares. The high risk fund invests at least 90% of its value in shares. As the risk profile increases to a high level, so does the feasibility of a large return or a larger capital loss.
The long term asset mix is made up of 98% Shares and 2% Cash.
Our funds' asset mix allocation may vary but will always be consistent with their objective.
Each illustration shows long term asset mix, effective from February 2022.
If you're already investing with us you can log in to your Shostra Bank Invest account for day to day transactions, or if you're concerned about the current situation and have questions about managing your investment during this time, please see our latest guidance and common questions.
If you'd prefer to speak to us, you can call the Help and Support team on 0345 877 7103 (for Relay prefix the number with 18001). Our lines are open Monday to Friday, from 9.30am to 5.00pm. We're closed Bank Holidays. Calls may be recorded.
Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.
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